Individual life and health-related insurance underwriting—not ordinary group health coverage or a general medical chart.
A notice naming MIB generally means an insurer used MIB information when underwriting an individual policy. The code or record is not itself a diagnosis, and MIB did not make the insurer’s decision.
What may be in the report.
The actual fields depend on the product ordered and whether the company has information about you.
- Coded medical-condition or impairment information
- Hazardous activities or avocations reported in insurance underwriting
- Member-company inquiry history
Request, freeze, or dispute the right file.
Use these direct paths instead of a paid credit-repair service or a phone number from an unsolicited message. A freeze at one company does not automatically freeze another report.
Request your report
Request the MIB Consumer File if you applied for individually underwritten insurance with an MIB member and may have a record.
866-692-6901MIB, Inc., 50 Braintree Hill Park, Suite 400, Braintree, MA 02184-8734
Official request pathFreeze information
The CFPB company list does not mark this company as offering a report freeze. Check the company page for any narrower state right, suppression option, or updated policy.
Check current freeze pathDispute an error
Use the record and insurer information to identify a code you believe is inaccurate or incomplete.
866-692-6901MIB, Inc., 50 Braintree Hill Park, Suite 400, Braintree, MA 02184-8734
Official dispute pathFirst three steps.
Do not dispute accurate information just because it led to an unfavorable decision.
- 01 Request the MIB file after a notice names MIB or before applicable individual-insurance underwriting.
- 02 Compare codes and contributing member information with the insurance application and medical records.
- 03 Challenge a factual error through MIB and the insurer or source that reported it.
Separate the reporting-company disclosure from the decision-maker’s action.
The company that supplied a report usually did not make the final decision. Use the notice decoder to choose the credit, banking, housing, employment, insurance, or utility context, then identify the report and next record to compare.
